He couldn't approve me with 2018 included, and I was denied from another bank because they were unwilling to wait for 2020 (Even with an excellent P&L)It seems there are no exceptions for the 2 year rule, with the lenders I've been dealing with..The loan officer said with the draft, he can get everything done in time for closing.

I have been analyzing deals and have made one low ball offer and denied immediately. 

If I were to section off a basement for tenants, I am guessing you would still share common areas like a kitchen and den? I

The State of Florida has been working on new regulations addressing short term rentals, but for now how it works is this: if a municipality denied short term rentals and had this "on the books" before 2011, they still can deny short term rentals. 

Injuries occur and insurance denies your claims.

WA RCW doesn't technically say the LL can't do the repairs, but then it also doesn't say if the LL can charge for their own time, and our confusion partly stemmed from learning that some states actually DO say the LL cannot charge for their time.And secondly, is there anything in the RCW or otherwise legally written that would say when a tenant can deny the LL the ability to make the repair?

@Joel Miller it’s very normal to ask for a seller concession when the financing is being denied due to the home’s condition.

Do you give details on why you are denying them?

Make sure they have the funds and history to stand behind the policy or you will be jumping through hoops getting your claim processed if not completely denied. 

Income Insights on SmartMove mentions that I cannot deny an applicant based on that report alone.